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Cross-chain bridges, to put it simply, are like "giving your coins to someone else for safekeeping," then issuing you an IOU. Multi-signature looks decentralized, but it really depends on whether those few people or institutions will all fail together; oracles shouldn't be overly glorified—feeding incorrect data can still wipe everything out. Many people complain that "waiting for confirmation" is slow, but I think that's actually one of the few meaningful buttons: waiting a few more rounds, avoiding chasing a single K-line, at least can prevent some black swan events like reorganization or rollback.
And now everyone is criticizing validator income, MEV, and fair ordering... I understand, because the on-chain game rules are inherently not friendly to retail investors. Layering cross-chain adds another layer of risk—not linearly, but because you simply don't know who is cutting in line ahead of you. Anyway, I only do small amounts and multiple transactions across chains myself; I'd rather go through some trouble than entrust my entire assets to a "faith team" all at once.